Blog   Tagged ‘security’

Wait a minute…who’s been sending emails from my account?

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Did you know every day thousands of webmail accounts (Gmail, Yahoo, AOL, etc.) are taken over by cyber criminals? Compromised webmail can be used to make purchases, transfer money from bank accounts or even trick friends and family into giving out information that allows access to their webmail – in a matter of minutes.

Take time to do a few simple things to ensure your webmail accounts are as secure as possible:

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Passwords

Weak passwords can be easily hacked and used to access your account.

  • Avoid using the same password on numerous accounts. This may make your email vulnerable if another site is compromised.
  • Change your password often.
  • Use strong passwords. For example, think of a special phrase and use the first letter of each word as your password. For more tips, visit OnGuardOnline.gov

Security Questions

Even a strong password can be compromised if security questions are easy to guess.

  • Make sure answers can’t be researched on social media sites.
  • Pick a question that only you know the answer to.
  • Choose the custom security question option if available.

Phishing Email

Phishing scams use a convincing message to trick you into clicking a link, downloading attachments or other “bait” that can be used to log your online activity, give a cyber criminal control of your computer or even direct you to a phony website where you’re asked to enter your username and password. All of these can be used to commit online crimes. To avoid phishing scams:

  • Look for misspellings or grammatical errors.
  • Question suspicious email; don’t click questionable links or download attachments that appear out of the ordinary, even if from a friend or company you’re familiar with.
  • If you aren’t sure, OnGuardOnline.gov provides help for identifying phishing scams.

Review Account(s)

The best protection against cyber crime is staying alert.

  • Check sent, trash, and other folders for suspicious incoming or outgoing mail.
  • Check advanced account options for changes you didn’t make. Your email may be forwarded to someone else and you didn’t even know it.
  • Investigate security options offered by your provider like notices for suspicious log-in attempts or two-step verification using a code that’s texted to your phone.
  • Regularly review financial accounts associated with your email address for suspicious activity.
  • Contact your bank and all other financial institutions immediately if you think your email has been compromised.

Don’t fall victim to cyber crime. Take time to secure your webmail accounts and encourage friends and family to do the same.


Ms. Flores serves as senior vice president and Chief Information Security Officer, providing oversight of UMB’s information security and privacy programs. She joined UMB in 2010 and more than 15 years of experience in information technology and information security. She attended Kansas State University with a focus on management information systems and is a Certified Information Security Manager (CISM), Certified Information Privacy Professional (CIPP/US) and Certified Information Systems Auditor (CISA).



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We regret to inform you that your account has been compromised…now what?

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You can do everything right to secure your personal information, but your credit or debit card information can still be compromised. Unfortunately, retailers and restaurants can be victims of hackers just like individuals can. Except when an identity thief breaches a retailer’s point of sale (POS) system, more than one person is affected. The company’s system can hold hundreds, if not thousands, of card numbers and key card security details including card verification value (CVV) codes.

CVV Code

 

Exact location of the CVV number varies among the card brands. Consult your card’s instructions for the location of your card’s CVV code.

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Throughout a given year, you have a chance of having your information stolen in one of these security breaches. Reportedly 44.8 million records were breached in 2012. Companies continue to ramp up security measures and while they do a good job, the hackers find points of vulnerability and use malware to pull the credit/debit card information.

Fast food restaurants and small business systems are the most targeted. The high level of transactions makes fast food restaurants a prime target. Small businesses are usually targeted because they don’t always have the same robust security resources as bigger companies, but even large national retail chains can be a victim of these security issues.

When there is a security compromise at retailer or restaurant, it should not end up costing you any money. Your bank should take care of everything, from issuing you a new card and personal identification number (PIN) to recovering any lost funds.

Smart ChipThe current risk environment will not notably change until smart cards (also known as chip cards) are rolled out universally in the U.S. We should see this by the end of 2015. The chip card is different from the card with the magnetic stripe because there is a small microchip in the card with a dynamic security code continually changing, making it extremely difficult to counterfeit.

As a consumer, you have little control over these external events, but this shouldn’t stop you from using your credit/debit cards. You can help protect yourself, by regularly checking your online bank statements and taking advantage of any fraud alerts through SMS texting and emails offered by your bank. At the very least, check your paper statements each month for any suspicious activity. If you regularly monitor your accounts, you will be able to spot fraudulent activity and your bank can quickly fix the issue.

 

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Mr. Hanson serves as vice president and fraud manager in Card Operations. He is responsible for providing fraud detections, prevention, and investigation services to UMB’s credit and debit card customers. He joined UMB in 2010 with more than 15 years of credit card fraud prevention experiences. He earned a Bachelor of Science in political science from the University of Utah in Salt Lake City, Utah and a Master of Arts in national security affairs from the Naval Post-Graduate School in Monterey, Calif.



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